ಟಾಪ್ 8 ಅತ್ಯುತ್ತಮ ಕಾರ್ಯಕ್ಷಮತೆಯ ಮನಿ ಮಾರ್ಕೆಟ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು 2022 | Fincash.com

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ಅತ್ಯುತ್ತಮ ಹಣ ಮಾರುಕಟ್ಟೆ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು 2022

Updated on September 30, 2024 , 42857 views

ಸಾಮಾನ್ಯ ಪರಿಭಾಷೆಯಲ್ಲಿ,ಅತ್ಯುತ್ತಮ ದ್ರವ ನಿಧಿಗಳು (ಹಣ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳು) ಸಾಲವಾಗಿದೆಮ್ಯೂಚುಯಲ್ ಫಂಡ್ಗಳು ಅಥವಾ ಬದಲಿಗೆ ಹಣಮಾರುಕಟ್ಟೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳು ಹೂಡಿಕೆಯ ಅವಧಿಯಲ್ಲಿ ಮಾತ್ರ ವ್ಯತ್ಯಾಸವಿದೆ. ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳು ಬಹಳ ಕಡಿಮೆ ಹಣದ ಮಾರುಕಟ್ಟೆ ಸಾಧನಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುತ್ತವೆಠೇವಣಿ ಪ್ರಮಾಣಪತ್ರ, ಖಜಾನೆ ಬಿಲ್ಲುಗಳು, ವಾಣಿಜ್ಯ ಪತ್ರಗಳು ಇತ್ಯಾದಿ.

ಈ ನಿಧಿಗಳ ಹೂಡಿಕೆಯ ಅವಧಿಯು ತುಂಬಾ ಚಿಕ್ಕದಾಗಿದೆ, ಸಾಮಾನ್ಯವಾಗಿ ಒಂದೆರಡು ದಿನಗಳಿಂದ ಕೆಲವು ವಾರಗಳವರೆಗೆ ಇರುತ್ತದೆ (ಇದು ಒಂದು ದಿನವೂ ಆಗಿರಬಹುದು!). ಸರಾಸರಿ ಉಳಿದಿರುವ ಪಕ್ವತೆದ್ರವ ನಿಧಿಗಳು ಅವರು ಪ್ರತ್ಯೇಕವಾಗಿ 91 ದಿನಗಳ ವರೆಗೆ ಮೆಚ್ಯೂರಿಟಿ ಹೊಂದಿರುವ ಸೆಕ್ಯುರಿಟಿಗಳಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದರಿಂದ 91 ದಿನಗಳಿಗಿಂತ ಕಡಿಮೆಯಿರುತ್ತದೆ.

ಅಲ್ಪಾವಧಿಯಾಗಿರುವುದುಸಾಲ ನಿಧಿ, ಈ ನಿಧಿಗಳು ಕಡಿಮೆ ಅವಧಿಗೆ ಕಡಿಮೆ ಅಪಾಯದ ಹೂಡಿಕೆಗಳನ್ನು ಹುಡುಕುತ್ತಿರುವ ಹೂಡಿಕೆದಾರರಿಗೆ ಹೆಚ್ಚು ಸೂಕ್ತವಾಗಿದೆ. ಉತ್ತಮ ಲಿಕ್ವಿಡ್ ಫಂಡ್‌ಗಳ ಕಡಿಮೆ ಮೆಚುರಿಟಿ ಅವಧಿಯು ಫಂಡ್ ಮ್ಯಾನೇಜರ್‌ಗಳಿಗೆ ಪೂರೈಸಲು ಸಹಾಯ ಮಾಡುತ್ತದೆವಿಮೋಚನೆ ಸುಲಭವಾಗಿ ಹೂಡಿಕೆದಾರರ ಬೇಡಿಕೆ. ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ, ವಿವಿಧ ಹಣ ಮಾರುಕಟ್ಟೆ ನಿಧಿ ಹೂಡಿಕೆಗಳು ಲಭ್ಯವಿದೆ.

ಮನಿ ಮಾರ್ಕೆಟ್ ಫಂಡ್‌ಗಳಲ್ಲಿ ಏಕೆ ಹೂಡಿಕೆ ಮಾಡಬೇಕು?

ಹಣದ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿನ ಭದ್ರತೆಗಳು ತುಲನಾತ್ಮಕವಾಗಿ ಕಡಿಮೆ ಅಪಾಯವನ್ನು ಹೊಂದಿರುತ್ತವೆ
ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳನ್ನು ಎಲ್ಲಾ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗಳಲ್ಲಿ ಸುರಕ್ಷಿತ ಮತ್ತು ಸುರಕ್ಷಿತವೆಂದು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ
ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳನ್ನು ಪರಿಗಣಿಸಿ, ಹಣದ ಮಾರುಕಟ್ಟೆ ಖಾತೆಯಲ್ಲಿ ಹೂಡಿಕೆ ಮಾಡುವುದು ಸುಲಭ.ಹೂಡಿಕೆ ಮ್ಯೂಚುವಲ್ ಫಂಡ್‌ಗಳ ಮೂಲಕ ಹೂಡಿಕೆದಾರರು ತಮ್ಮ ಅನುಕೂಲಕ್ಕೆ ತಕ್ಕಂತೆ ಖಾತೆಯನ್ನು ತೆರೆಯಬಹುದು, ಠೇವಣಿ ಮತ್ತು ಹಿಂಪಡೆಯುವಿಕೆಗಳನ್ನು ಮಾಡಬಹುದು
ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳನ್ನು ಎಲ್ಲಾ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್ ಹೂಡಿಕೆಗಳಲ್ಲಿ ಕಡಿಮೆ ಬಾಷ್ಪಶೀಲ ವಿಧಗಳಲ್ಲಿ ಒಂದೆಂದು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ
ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳ ಕಾರ್ಯಕ್ಷಮತೆಯು ರಿಸರ್ವ್ ನಿಗದಿಪಡಿಸಿದ ಬಡ್ಡಿದರಗಳೊಂದಿಗೆ ನಿಕಟ ಸಂಬಂಧ ಹೊಂದಿದೆಬ್ಯಾಂಕ್ ಭಾರತದ, ದಿಸೆಂಟ್ರಲ್ ಬ್ಯಾಂಕ್ ಆಫ್ ಇಂಡಿಯಾ. ಆದ್ದರಿಂದ, ಆರ್‌ಬಿಐ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ದರಗಳನ್ನು ಹೆಚ್ಚಿಸಿದಾಗ, ಇಳುವರಿ ಹೆಚ್ಚಾಗುತ್ತದೆ ಮತ್ತು ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಗಳು ಉತ್ತಮ ಆದಾಯವನ್ನು ನೀಡಲು ಸಾಧ್ಯವಾಗುತ್ತದೆ.

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ಮನಿ ಮಾರ್ಕೆಟ್ ಫಂಡ್‌ಗಳು ಹೇಗೆ ಕೆಲಸ ಮಾಡುತ್ತವೆ?

ಹಣದ ಮಾರುಕಟ್ಟೆ ನಿಧಿಯು ಹಣದ ಮಾರುಕಟ್ಟೆ ಸಾಧನಗಳಲ್ಲಿ ಒಂದು ಉದ್ದೇಶದೊಂದಿಗೆ ಹೂಡಿಕೆ ಮಾಡುತ್ತದೆನೀಡುತ್ತಿದೆ ಉತ್ತಮ ಆದಾಯ (ಬಡ್ಡಿಆದಾಯ) ಮತ್ತು ಇಟ್ಟುಕೊಳ್ಳುವುದುಅವು ಅಲ್ಲ ಏರಿಳಿತಗಳು ಕನಿಷ್ಠ.

ಹಣದ ಮಾರುಕಟ್ಟೆ ಉಪಕರಣಗಳ ವಿಧಗಳು

ಹಣದ ಮಾರುಕಟ್ಟೆಯು ನಗದು ಮತ್ತು ನಗದು-ಸಮಾನ ಸಾಧನಗಳ ವ್ಯಾಪಾರ ನಡೆಯುವ ವಿನಿಮಯವಾಗಿದೆ. ಹಣದ ಮಾರುಕಟ್ಟೆಗಳಲ್ಲಿ ವ್ಯಾಪಾರ ಮಾಡುವ ಉಪಕರಣಗಳು ಮುಕ್ತಾಯವನ್ನು ಹೊಂದಿದ್ದು ಅದು ರಾತ್ರಿಯಿಂದ ಒಂದು ವರ್ಷದವರೆಗೆ ಬದಲಾಗಬಹುದು. ಭಾರತದಲ್ಲಿ ಕೆಲವು ಪ್ರಮುಖ ಹಣದ ಮಾರುಕಟ್ಟೆ ಸಾಧನಗಳು ಇಲ್ಲಿವೆ:

1. ಖಜಾನೆ ಬಿಲ್‌ಗಳು ಅಥವಾ ಟಿ-ಬಿಲ್‌ಗಳು

ಭಾರತ ಸರ್ಕಾರವು 365 ದಿನಗಳವರೆಗೆ ಹಣವನ್ನು ಸಂಗ್ರಹಿಸಲು ಖಜಾನೆ ಬಿಲ್‌ಗಳನ್ನು ನೀಡುತ್ತದೆ. ಇವುಗಳು ಸರ್ಕಾರದಿಂದ ನೀಡಲ್ಪಟ್ಟಿರುವುದರಿಂದ, ಅವುಗಳನ್ನು ಅತ್ಯಂತ ಸುರಕ್ಷಿತವೆಂದು ಪರಿಗಣಿಸಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಕಡಿಮೆ ಅಪಾಯಗಳು ಕಡಿಮೆ ಆದಾಯಕ್ಕೆ ಅನುವಾದಿಸುತ್ತವೆ, ಇದು ಖಜಾನೆ ಬಿಲ್‌ಗಳಲ್ಲಿಯೂ ಸಹ ಇರುತ್ತದೆ. ಟಿ-ಬಿಲ್‌ಗಳ ಮೇಲಿನ ಆದಾಯವು ಇತರ ಹಣದ ಮಾರುಕಟ್ಟೆ ಸಾಧನಗಳಿಗಿಂತ ಕಡಿಮೆಯಾಗಿದೆ.

2. ಠೇವಣಿ ಪ್ರಮಾಣಪತ್ರ ಅಥವಾ CD

CDಯು ಅವಧಿಗೆ ಮುನ್ನ ವಿಮೋಚನೆಯ ಆಯ್ಕೆಯನ್ನು ಹೊಂದಿರದ ಶೆಡ್ಯೂಲ್ಡ್ ವಾಣಿಜ್ಯ ಬ್ಯಾಂಕುಗಳಿಂದ ನೀಡಲಾಗುವ ಅವಧಿಯ ಠೇವಣಿಯಾಗಿದೆ. CD ಮತ್ತು ನಡುವಿನ ಪ್ರಾಥಮಿಕ ವ್ಯತ್ಯಾಸFD CD ಗಳು ಮುಕ್ತವಾಗಿ ನೆಗೋಬಲ್ ಆಗಿವೆ.

3. ಮರುಖರೀದಿ ಒಪ್ಪಂದಗಳು ಅಥವಾ ರೆಪೋಗಳು

ಅಲ್ಪಾವಧಿಯ ಸಾಲಗಳನ್ನು ಸುಲಭಗೊಳಿಸಲು ಬ್ಯಾಂಕ್ ಮತ್ತು RBI ನಡುವೆ ಮರುಖರೀದಿ ಒಪ್ಪಂದವನ್ನು ಮಾಡಲಾಗುತ್ತದೆ. ಇದನ್ನು ಎರಡು ಬ್ಯಾಂಕುಗಳ ನಡುವೆಯೂ ಮಾಡಬಹುದು.

4. ಕಮರ್ಷಿಯಲ್ ಪೇಪರ್ ಅಥವಾ ಸಿಪಿ

ಹೆಚ್ಚಿನ ಕ್ರೆಡಿಟ್ ರೇಟಿಂಗ್ ಹೊಂದಿರುವ ಕಂಪನಿಗಳು ಮತ್ತು ಹಣಕಾಸು ಸಂಸ್ಥೆಗಳು ಎವಾಣಿಜ್ಯ ಪತ್ರ ಇದು ಅಲ್ಪಾವಧಿಯ, ಅಸುರಕ್ಷಿತ ಪ್ರಾಮಿಸರಿ ನೋಟ್ ಆಗಿದೆ. ಇದು ಅಂತಹ ಘಟಕಗಳಿಗೆ ತಮ್ಮ ಅಲ್ಪಾವಧಿಯ ಎರವಲು ಮೂಲಗಳನ್ನು ವೈವಿಧ್ಯಗೊಳಿಸಲು ಅನುಮತಿಸುತ್ತದೆ. ರಿಡೆಂಪ್ಶನ್ ಮಾಡಿದಾಗ ಸಿಪಿಗಳನ್ನು ಸಾಮಾನ್ಯವಾಗಿ ರಿಯಾಯಿತಿ ದರದಲ್ಲಿ ನೀಡಲಾಗುತ್ತದೆಮುಖ ಬೆಲೆ. ದಿಹೂಡಿಕೆದಾರ ವ್ಯತ್ಯಾಸವನ್ನು ಗಳಿಸುತ್ತದೆ.

ಟಾಪ್ 8 ಮನಿ ಮಾರ್ಕೆಟ್ ಮ್ಯೂಚುಯಲ್ ಫಂಡ್‌ಗಳು 2022

Fund	NAV	Net Assets (Cr)	1 MO (%)	3 MO (%)	6 MO (%)	1 YR (%)	2023 (%)	Debt Yield (YTM)	Mod. Duration	Eff. Maturity
Aditya Birla Sun Life Money Manager Fund Growth	₹349.671 ↑ 0.09	₹27,665	0.7	1.9	3.8	7.7	7.4	7.54%	5M 8D	5M 8D
Nippon India Money Market Fund Growth	₹3,921.42 ↑ 1.09	₹17,582	0.7	1.9	3.8	7.7	7.4	7.6%	5M 26D	6M 9D
Tata Money Market Fund Growth	₹4,461.46 ↑ 1.00	₹27,628	0.7	1.9	3.7	7.7	7.4	7.48%	5M 10D	5M 10D
UTI Money Market Fund Growth	₹2,912.47 ↑ 0.76	₹15,067	0.7	1.9	3.8	7.7	7.4	7.49%	6M	6M
ICICI Prudential Money Market Fund Growth	₹358.519 ↑ 0.09	₹27,757	0.7	1.9	3.8	7.7	7.4	7.51%	4M 29D	5M 11D
Kotak Money Market Scheme Growth	₹4,244.07 ↑ 1.06	₹28,235	0.7	1.9	3.7	7.7	7.3	7.53%	5M 5D	5M 5D
Franklin India Savings Fund Growth	₹47.388 ↑ 0.01	₹2,060	0.7	1.9	3.8	7.6	7.3	7.54%	6M 4D	6M 18D
HDFC Money Market Fund Growth	₹5,402.26 ↑ 1.24	₹27,665	0.7	1.9	3.7	7.6	7.3	7.5%	5M 23D	6M 7D
Note: Returns up to 1 year are on absolute basis & more than 1 year are on CAGR basis. as on 1 Oct 24

1. Aditya Birla Sun Life Money Manager Fund

(Erstwhile Aditya Birla Sun Life Floating Rate Fund - Short Term)

The primary objective of the schemes is to generate regular income through investment in a portfolio comprising substantially of floating rate debt / money market instruments. The schemes may invest a portion of its net assets in fixed rate debt securities and money market instruments.

Aditya Birla Sun Life Money Manager Fund is a Debt - Money Market fund was launched on 13 Oct 05. It is a fund with Low risk and has given a CAGR/Annualized return of 6.8% since its launch. Ranked 7 in Money Market category. Return for 2023 was 7.4% , 2022 was 4.8% and 2021 was 3.8% .

Below is the key information for Aditya Birla Sun Life Money Manager Fund

Aditya Birla Sun Life Money Manager Fund Growth
Launch Date	13 Oct 05
NAV (01 Oct 24)	₹349.671 ↑ 0.09 (0.02 %)
Net Assets (Cr)	₹27,665 on 31 Aug 24
Category	Debt - Money Market
AMC	Birla Sun Life Asset Management Co Ltd
Rating	☆☆☆☆☆
Risk	Low
Expense Ratio	0.34
Sharpe Ratio	2.35
Information Ratio	0
Alpha Ratio	0
Min Investment	1,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.54%
Effective Maturity	5 Months 8 Days
Modified Duration	5 Months 8 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 19	₹10,000
30 Sep 20	₹10,715
30 Sep 21	₹11,145
30 Sep 22	₹11,598
30 Sep 23	₹12,450
30 Sep 24	₹13,411

Aditya Birla Sun Life Money Manager Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹200,132.
Net Profit of ₹20,132 Invest Now

Returns for Aditya Birla Sun Life Money Manager Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 24

Duration	Returns
1 Month	0.7%
3 Month	1.9%
6 Month	3.8%
1 Year	7.7%
3 Year	6.4%
5 Year	6%
10 Year
15 Year
Since launch	6.8%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	4.8%
2021	3.8%
2020	6.6%
2019	8%
2018	7.9%
2017	6.8%
2016	7.7%
2015	8.4%
2014	9.2%

Fund Manager information for Aditya Birla Sun Life Money Manager Fund

Name	Since	Tenure
Kaustubh Gupta	15 Jul 11	13.14 Yr.
Anuj Jain	22 Mar 21	3.45 Yr.
Mohit Sharma	1 Apr 17	7.42 Yr.
Dhaval Joshi	21 Nov 22	1.78 Yr.

Data below for Aditya Birla Sun Life Money Manager Fund as on 31 Aug 24

Asset Allocation

Asset Class	Value
Cash	70.84%
Debt	28.93%
Other	0.23%

Debt Sector Allocation

Sector	Value
Corporate	51.96%
Cash Equivalent	37.28%
Government	10.53%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
India (Republic of) - \| -	2%	₹485 Cr	50,000,000
Axis Bank Ltd. Debentures \| -	2%	₹485 Cr	10,000
IDFC First Bank Ltd. Debentures \| -	2%	₹482 Cr	10,000
05.80 MH Sdl 2025 Sovereign Bonds \| -	2%	₹468 Cr	47,000,000
07.38% MP Sdl 2025 Sovereign Bonds \| -	2%	₹466 Cr	46,500,000
Tata Teleservices Ltd Debentures \| -	2%	₹458 Cr	9,500
Small Industries Development Bank of India Debentures \| -	1%	₹386 Cr	8,000
HDFC Bank Ltd. Debentures \| -	1%	₹338 Cr	7,000
Indusind Bank Ltd. Debentures \| -	1%	₹291 Cr	6,000
364 DTB 26122024 Sovereign Bonds \| -	1%	₹245 Cr	25,000,000

2. Nippon India Money Market Fund

(Erstwhile Reliance Liquidity Fund)

The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments.

Nippon India Money Market Fund is a Debt - Money Market fund was launched on 16 Jun 05. It is a fund with Low risk and has given a CAGR/Annualized return of 7.3% since its launch. Ranked 27 in Money Market category. Return for 2023 was 7.4% , 2022 was 5% and 2021 was 3.8% .

Below is the key information for Nippon India Money Market Fund

Nippon India Money Market Fund Growth
Launch Date	16 Jun 05
NAV (01 Oct 24)	₹3,921.42 ↑ 1.09 (0.03 %)
Net Assets (Cr)	₹17,582 on 31 Aug 24
Category	Debt - Money Market
AMC	Nippon Life Asset Management Ltd.
Rating	☆☆☆
Risk	Low
Expense Ratio	0.37
Sharpe Ratio	2.11
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.6%
Effective Maturity	6 Months 9 Days
Modified Duration	5 Months 26 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 19	₹10,000
30 Sep 20	₹10,661
30 Sep 21	₹11,079
30 Sep 22	₹11,548
30 Sep 23	₹12,387
30 Sep 24	₹13,340

Nippon India Money Market Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Nippon India Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 24

Duration	Returns
1 Month	0.7%
3 Month	1.9%
6 Month	3.8%
1 Year	7.7%
3 Year	6.4%
5 Year	5.9%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	5%
2021	3.8%
2020	6%
2019	8.1%
2018	7.9%
2017	6.6%
2016	7.6%
2015	8.3%
2014	9.1%

Fund Manager information for Nippon India Money Market Fund

Name	Since	Tenure
Anju Chhajer	1 Feb 20	4.58 Yr.
Kinjal Desai	16 Jul 18	6.13 Yr.

Data below for Nippon India Money Market Fund as on 31 Aug 24

Asset Allocation

Asset Class	Value
Cash	77.54%
Debt	22.23%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	54.42%
Cash Equivalent	34.04%
Government	11.3%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Small Industries Development Bank of India Debentures \| -	3%	₹465 Cr	10,000 ↑ 10,000
182 DTB 12122024 Sovereign Bonds \| -	2%	₹368 Cr	37,500,000
Canara Bank Domestic Bonds \| -	2%	₹313 Cr	6,500
07.38% MP Sdl 2025 Sovereign Bonds \| -	2%	₹276 Cr	27,500,000
08.10 JH Sdl 2025 Sovereign Bonds \| -	1%	₹252 Cr	25,000,000
Indian Bank Domestic Bonds \| -	1%	₹240 Cr	5,000
Federal Bank Ltd. Debentures \| -	1%	₹237 Cr	5,000 ↑ 5,000
Indusind Bank Ltd. Debentures \| -	1%	₹233 Cr	5,000 ↑ 5,000
364 DTB 14112024 Sovereign Bonds \| -	1%	₹197 Cr	20,000,000 ↓ -10,000,000
182 DTB 05122024 Sovereign Bonds \| -	1%	₹197 Cr	20,000,000

3. Tata Money Market Fund

(Erstwhile Tata Liquid Fund)

To create a highly liquid portfolio of good quality debt as well as money market instruments so as to provide reasonable returns and high liquidity to the unitholders.

Tata Money Market Fund is a Debt - Money Market fund was launched on 22 May 03. It is a fund with Low risk and has given a CAGR/Annualized return of 6.7% since its launch. Ranked 30 in Money Market category. Return for 2023 was 7.4% , 2022 was 4.8% and 2021 was 3.9% .

Below is the key information for Tata Money Market Fund

Tata Money Market Fund Growth
Launch Date	22 May 03
NAV (01 Oct 24)	₹4,461.46 ↑ 1.00 (0.02 %)
Net Assets (Cr)	₹27,628 on 31 Aug 24
Category	Debt - Money Market
AMC	Tata Asset Management Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0
Sharpe Ratio	2.3
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.48%
Effective Maturity	5 Months 10 Days
Modified Duration	5 Months 10 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 19	₹10,000
30 Sep 20	₹10,692
30 Sep 21	₹11,128
30 Sep 22	₹11,576
30 Sep 23	₹12,417
30 Sep 24	₹13,371

Tata Money Market Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Tata Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 24

Duration	Returns
1 Month	0.7%
3 Month	1.9%
6 Month	3.7%
1 Year	7.7%
3 Year	6.3%
5 Year	6%
10 Year
15 Year
Since launch	6.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	4.8%
2021	3.9%
2020	6.4%
2019	8.1%
2018	-0.1%
2017	6.7%
2016	7.6%
2015	8.3%
2014	9%

Fund Manager information for Tata Money Market Fund

Name	Since	Tenure
Amit Somani	16 Oct 13	10.88 Yr.

Data below for Tata Money Market Fund as on 31 Aug 24

Asset Allocation

Asset Class	Value
Cash	79.92%
Debt	19.87%
Other	0.2%

Debt Sector Allocation

Sector	Value
Corporate	51.29%
Cash Equivalent	37.88%
Government	10.62%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Punjab National Bank Domestic Bonds \| -	2%	₹630 Cr	13,000
HDFC Bank Ltd. Debentures \| -	2%	₹531 Cr	11,000
LIC Housing Finance Ltd. Debentures \| -	1%	₹409 Cr	8,500
India (Republic of) - \| -	1%	₹404 Cr	41,500,000 ↓ -15,000,000
182 DTB 28112024 Sovereign Bonds \| -	1%	₹392 Cr	39,833,400 ↑ 29,833,400
182 DTB 12122024 Sovereign Bonds \| -	1%	₹368 Cr	37,500,000
182 DTB 30012025 Sovereign Bonds \| -	1%	₹355 Cr	36,500,000 ↓ -20,000,000
182 DTB 19122024 Sovereign Bonds \| -	1%	₹319 Cr	32,500,000
364 DTB 21112024 Sovereign Bonds \| -	1%	₹301 Cr	30,500,000 ↑ 15,500,000
364 DTB 05122024 Sovereign Bonds \| -	1%	₹295 Cr	30,000,000

4. UTI Money Market Fund

To provide highest possible current income consistent with preservation of capital and providing liquidity from investing in a diversified portfolio of short term money market securities.

UTI Money Market Fund is a Debt - Money Market fund was launched on 13 Jul 09. It is a fund with Low risk and has given a CAGR/Annualized return of 7.3% since its launch. Ranked 23 in Money Market category. Return for 2023 was 7.4% , 2022 was 4.9% and 2021 was 3.7% .

Below is the key information for UTI Money Market Fund

UTI Money Market Fund Growth
Launch Date	13 Jul 09
NAV (01 Oct 24)	₹2,912.47 ↑ 0.76 (0.03 %)
Net Assets (Cr)	₹15,067 on 31 Aug 24
Category	Debt - Money Market
AMC	UTI Asset Management Company Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.27
Sharpe Ratio	2.37
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.49%
Effective Maturity	6 Months
Modified Duration	6 Months

Growth of 10,000 investment over the years.

Date	Value
30 Sep 19	₹10,000
30 Sep 20	₹10,663
30 Sep 21	₹11,077
30 Sep 22	₹11,535
30 Sep 23	₹12,381
30 Sep 24	₹13,331

UTI Money Market Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for UTI Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 24

Duration	Returns
1 Month	0.7%
3 Month	1.9%
6 Month	3.8%
1 Year	7.7%
3 Year	6.4%
5 Year	5.9%
10 Year
15 Year
Since launch	7.3%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	4.9%
2021	3.7%
2020	6%
2019	8%
2018	7.8%
2017	6.7%
2016	7.7%
2015	8.4%
2014	9.1%

Fund Manager information for UTI Money Market Fund

Name	Since	Tenure
Anurag Mittal	1 Dec 21	2.75 Yr.
Amit Sharma	7 Jul 17	7.16 Yr.

Data below for UTI Money Market Fund as on 31 Aug 24

Asset Allocation

Asset Class	Value
Cash	69.71%
Debt	30.05%
Other	0.24%

Debt Sector Allocation

Sector	Value
Corporate	50.62%
Cash Equivalent	41.83%
Government	7.31%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Canara Bank Domestic Bonds \| -	5%	₹816 Cr	8,500,000,000
182 DTB 12122024 Sovereign Bonds \| -	4%	₹540 Cr	5,500,000,000
ICICI Bank Ltd. Debentures \| -	2%	₹338 Cr	3,500,000,000
Kotak Mahindra Bank Ltd. Debentures \| -	2%	₹291 Cr	3,000,000,000
Federal Bank Ltd. Debentures \| -	2%	₹285 Cr	3,000,000,000 ↑ 3,000,000,000
AU Small Finance Bank Ltd. Debentures \| -	2%	₹241 Cr	2,500,000,000
182 DTB 07112024 Sovereign Bonds \| -	1%	₹198 Cr	2,000,000,000
Kotak Mahindra Bank Ltd. Debentures \| -	1%	₹195 Cr	2,000,000,000
Federal Bank Ltd. Debentures \| -	1%	₹190 Cr	2,000,000,000 ↑ 2,000,000,000
Punjab & Sind Bank Debentures \| -	1%	₹144 Cr	1,500,000,000

5. ICICI Prudential Money Market Fund

The objective of the Plan will be to seek to provide reasonable returns, commensurate with low risk while providing a high level of liquidity, through investments made primarily in money market and debt securities.

ICICI Prudential Money Market Fund is a Debt - Money Market fund was launched on 9 Mar 06. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 17 in Money Market category. Return for 2023 was 7.4% , 2022 was 4.7% and 2021 was 3.7% .

Below is the key information for ICICI Prudential Money Market Fund

ICICI Prudential Money Market Fund Growth
Launch Date	9 Mar 06
NAV (01 Oct 24)	₹358.519 ↑ 0.09 (0.02 %)
Net Assets (Cr)	₹27,757 on 15 Sep 24
Category	Debt - Money Market
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.32
Sharpe Ratio	1.94
Information Ratio	0
Alpha Ratio	0
Min Investment	500
Min SIP Investment	100
Exit Load	NIL
Yield to Maturity	7.51%
Effective Maturity	5 Months 11 Days
Modified Duration	4 Months 29 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 19	₹10,000
30 Sep 20	₹10,685
30 Sep 21	₹11,094
30 Sep 22	₹11,533
30 Sep 23	₹12,371
30 Sep 24	₹13,319

ICICI Prudential Money Market Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for ICICI Prudential Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 24

Duration	Returns
1 Month	0.7%
3 Month	1.9%
6 Month	3.8%
1 Year	7.7%
3 Year	6.3%
5 Year	5.9%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.4%
2022	4.7%
2021	3.7%
2020	6.2%
2019	7.9%
2018	7.7%
2017	6.7%
2016	7.7%
2015	8.3%
2014	9.1%

Fund Manager information for ICICI Prudential Money Market Fund

Name	Since	Tenure
Manish Banthia	12 Jun 23	1.22 Yr.
Nikhil Kabra	3 Aug 16	8.08 Yr.

Data below for ICICI Prudential Money Market Fund as on 15 Sep 24

Asset Allocation

Asset Class	Value
Cash	70.82%
Debt	28.99%
Other	0.19%

Debt Sector Allocation

Sector	Value
Corporate	49.17%
Cash Equivalent	39.28%
Government	11.36%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
364 DTB 06032025 Sovereign Bonds \| -	3%	₹967 Cr	100,000,000
Small Industries Development Bank of India Debentures \| -	3%	₹820 Cr	17,000
Indian Bank Domestic Bonds \| -	2%	₹577 Cr	12,000
Union Bank of India Domestic Bonds \| -	2%	₹576 Cr	12,000
182 DTB 22112024 Sovereign Bonds \| -	2%	₹443 Cr	45,000,000
India (Republic of) - \| -	1%	₹386 Cr	40,000,000
Hero Fincorp Limited Debentures \| -	1%	₹289 Cr	6,000
LIC Housing Finance Ltd. Debentures \| -	1%	₹289 Cr	6,000
Union Bank of India Domestic Bonds \| -	1%	₹264 Cr	5,500
India (Republic of) - \| -	1%	₹242 Cr	25,000,000

6. Kotak Money Market Scheme

(Erstwhile Kotak Floater Short Term Fund)

To reduce the interest rate risk associated with investments in fixed rate instruments by investing predominantly in floating rate securities, money market instruments and using appropriate derivatives.

Kotak Money Market Scheme is a Debt - Money Market fund was launched on 14 Jul 03. It is a fund with Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 19 in Money Market category. Return for 2023 was 7.3% , 2022 was 4.9% and 2021 was 3.7% .

Below is the key information for Kotak Money Market Scheme

Kotak Money Market Scheme Growth
Launch Date	14 Jul 03
NAV (01 Oct 24)	₹4,244.07 ↑ 1.06 (0.02 %)
Net Assets (Cr)	₹28,235 on 31 Aug 24
Category	Debt - Money Market
AMC	Kotak Mahindra Asset Management Co Ltd
Rating	☆☆☆☆
Risk	Low
Expense Ratio	0.35
Sharpe Ratio	1.93
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	1,000
Exit Load	NIL
Yield to Maturity	7.53%
Effective Maturity	5 Months 5 Days
Modified Duration	5 Months 5 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 19	₹10,000
30 Sep 20	₹10,630
30 Sep 21	₹11,038
30 Sep 22	₹11,493
30 Sep 23	₹12,320
30 Sep 24	₹13,263

Kotak Money Market Scheme SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Kotak Money Market Scheme

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 24

Duration	Returns
1 Month	0.7%
3 Month	1.9%
6 Month	3.7%
1 Year	7.7%
3 Year	6.3%
5 Year	5.8%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.3%
2022	4.9%
2021	3.7%
2020	5.7%
2019	8%
2018	7.7%
2017	6.7%
2016	7.7%
2015	8.4%
2014	9.1%

Fund Manager information for Kotak Money Market Scheme

Name	Since	Tenure
Deepak Agrawal	1 Nov 06	17.85 Yr.
Manu Sharma	1 Nov 22	1.84 Yr.

Data below for Kotak Money Market Scheme as on 31 Aug 24

Asset Allocation

Asset Class	Value
Cash	80.38%
Debt	19.42%
Other	0.2%

Debt Sector Allocation

Sector	Value
Corporate	58.15%
Cash Equivalent	32.21%
Government	9.44%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
7.03% Govt Stock 2024 Sovereign Bonds \| -	2%	₹675 Cr	67,500,000
India (Republic of) - \| -	2%	₹590 Cr	58,999,990
91 DTB 31102024 Sovereign Bonds \| -	2%	₹495 Cr	50,000,000
182 DTB 06022025 Sovereign Bonds \| -	2%	₹486 Cr	50,000,000
Union Bank of India Domestic Bonds \| -	2%	₹482 Cr	50,000
India (Republic of) - \| -	1%	₹389 Cr	40,000,000
Indusind Bank Ltd. Debentures \| -	1%	₹388 Cr	40,000
ICICI Bank Ltd. Debentures \| -	1%	₹388 Cr	40,000
Axis Bank Ltd. Debentures \| -	1%	₹388 Cr	40,000
05.80 MH Sdl 2025 Sovereign Bonds \| -	1%	₹249 Cr	25,000,000

7. Franklin India Savings Fund

(Erstwhile Franklin India Savings Plus Fund Retail Option)

Aims to provide income consistent with the prudent risk from a portfolio comprising substantially of floating rate debt instruments, fixed rate debt instruments swapped for floating rate returns, and also fixed rate instruments and money market instruments.

Franklin India Savings Fund is a Debt - Money Market fund was launched on 11 Feb 02. It is a fund with Moderately Low risk and has given a CAGR/Annualized return of 7.1% since its launch. Ranked 47 in Money Market category. Return for 2023 was 7.3% , 2022 was 4.4% and 2021 was 3.6% .

Below is the key information for Franklin India Savings Fund

Franklin India Savings Fund Growth
Launch Date	11 Feb 02
NAV (01 Oct 24)	₹47.388 ↑ 0.01 (0.03 %)
Net Assets (Cr)	₹2,060 on 31 Aug 24
Category	Debt - Money Market
AMC	Franklin Templeton Asst Mgmt(IND)Pvt Ltd
Rating	☆☆☆
Risk	Moderately Low
Expense Ratio	0.27
Sharpe Ratio	1.77
Information Ratio	0
Alpha Ratio	0
Min Investment	10,000
Min SIP Investment	500
Exit Load	NIL
Yield to Maturity	7.54%
Effective Maturity	6 Months 18 Days
Modified Duration	6 Months 4 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 19	₹10,000
30 Sep 20	₹10,680
30 Sep 21	₹11,071
30 Sep 22	₹11,479
30 Sep 23	₹12,295
30 Sep 24	₹13,227

Franklin India Savings Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for Franklin India Savings Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 24

Duration	Returns
1 Month	0.7%
3 Month	1.9%
6 Month	3.8%
1 Year	7.6%
3 Year	6.1%
5 Year	5.7%
10 Year
15 Year
Since launch	7.1%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.3%
2022	4.4%
2021	3.6%
2020	6%
2019	8.5%
2018	7.5%
2017	7.2%
2016	8.1%
2015	8.3%
2014	8.9%

Fund Manager information for Franklin India Savings Fund

Name	Since	Tenure
Rahul Goswami	6 Oct 23	0.9 Yr.
Pallab Roy	25 Jun 08	16.19 Yr.
Chandni Gupta	30 Apr 24	0.34 Yr.

Data below for Franklin India Savings Fund as on 31 Aug 24

Asset Allocation

Asset Class	Value
Cash	61.04%
Debt	38.76%
Other	0.2%

Debt Sector Allocation

Sector	Value
Corporate	44.75%
Cash Equivalent	40.15%
Government	14.9%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Canara Bank Domestic Bonds \| -	6%	₹120 Cr	2,500
India (Republic of) - \| -	5%	₹97 Cr	10,000,000
Indian Bank Domestic Bonds \| -	5%	₹96 Cr	2,000
364 DTB 31072025 Sovereign Bonds \| -	5%	₹94 Cr	10,000,000
Union Bank of India Domestic Bonds \| -	4%	₹72 Cr	1,500
India (Republic of) - \| -	3%	₹67 Cr	7,151,200 ↑ 7,151,200
Punjab National Bank Domestic Bonds \| -	3%	₹58 Cr	1,200 ↓ -500
HDFC Bank Ltd. Debentures \| -	2%	₹48 Cr	1,000
IDFC First Bank Ltd. Debentures \| -	2%	₹48 Cr	1,000
Small Industries Development Bank of India Debentures \| -	2%	₹48 Cr	1,000

8. HDFC Money Market Fund

(Erstwhile HDFC Cash Management Fund - Savings Plan)

To generate optimal returns while maintaining safety and high liquidity.

HDFC Money Market Fund is a Debt - Money Market fund was launched on 18 Nov 99. It is a fund with Low risk and has given a CAGR/Annualized return of 7% since its launch. Ranked 41 in Money Market category. Return for 2023 was 7.3% , 2022 was 4.7% and 2021 was 3.8% .

Below is the key information for HDFC Money Market Fund

HDFC Money Market Fund Growth
Launch Date	18 Nov 99
NAV (01 Oct 24)	₹5,402.26 ↑ 1.24 (0.02 %)
Net Assets (Cr)	₹27,665 on 15 Sep 24
Category	Debt - Money Market
AMC	HDFC Asset Management Company Limited
Rating	☆☆☆
Risk	Low
Expense Ratio	0.41
Sharpe Ratio	1.65
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	300
Exit Load	NIL
Yield to Maturity	7.5%
Effective Maturity	6 Months 7 Days
Modified Duration	5 Months 23 Days

Growth of 10,000 investment over the years.

Date	Value
30 Sep 19	₹10,000
30 Sep 20	₹10,714
30 Sep 21	₹11,131
30 Sep 22	₹11,575
30 Sep 23	₹12,408
30 Sep 24	₹13,349

HDFC Money Market Fund SIP Returns

Total investment amount is ₹180,000
expected amount after 3 Years is ₹197,169.
Net Profit of ₹17,169 Invest Now

Returns for HDFC Money Market Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 1 Oct 24

Duration	Returns
1 Month	0.7%
3 Month	1.9%
6 Month	3.7%
1 Year	7.6%
3 Year	6.2%
5 Year	5.9%
10 Year
15 Year
Since launch	7%

Historical performance (Yearly) on absolute basis

Year	Returns
2023	7.3%
2022	4.7%
2021	3.8%
2020	6.5%
2019	8.1%
2018	7.4%
2017	6.5%
2016	7.5%
2015	8.3%
2014	9.1%

Fund Manager information for HDFC Money Market Fund

Name	Since	Tenure
Praveen Jain	30 Aug 24	0 Yr.
Dhruv Muchhal	22 Jun 23	1.19 Yr.

Data below for HDFC Money Market Fund as on 15 Sep 24

Asset Allocation

Asset Class	Value
Cash	68.86%
Debt	30.93%
Other	0.21%

Debt Sector Allocation

Sector	Value
Corporate	52.61%
Cash Equivalent	35.29%
Government	11.89%

Credit Quality

Rating	Value
AAA	100%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Bank of Baroda Debentures \| -	2%	₹579 Cr	12,000
Union Bank of India Domestic Bonds \| -	2%	₹534 Cr	11,000
364 DTB 13032025 Sovereign Bonds \| -	2%	₹531 Cr	55,000,000
Panatone Finvest Ltd Debentures \| -	2%	₹485 Cr	10,000
Union Bank of India Domestic Bonds \| -	1%	₹410 Cr	8,500
Punjab National Bank Domestic Bonds \| -	1%	₹339 Cr	7,000
Axis Bank Ltd. Debentures \| -	1%	₹338 Cr	7,000 ↑ 4,000
Tata Teleservices Ltd Debentures \| -	1%	₹338 Cr	7,000
182 DTB 14112024 Sovereign Bonds \| -	1%	₹296 Cr	30,000,000
Indusind Bank Ltd. Debentures \| -	1%	₹290 Cr	6,000

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ಇಲ್ಲಿ ಒದಗಿಸಲಾದ ಮಾಹಿತಿಯು ನಿಖರವಾಗಿದೆ ಎಂದು ಖಚಿತಪಡಿಸಿಕೊಳ್ಳಲು ಎಲ್ಲಾ ಪ್ರಯತ್ನಗಳನ್ನು ಮಾಡಲಾಗಿದೆ. ಆದಾಗ್ಯೂ, ಡೇಟಾದ ನಿಖರತೆಯ ಬಗ್ಗೆ ಯಾವುದೇ ಖಾತರಿಗಳನ್ನು ನೀಡಲಾಗುವುದಿಲ್ಲ. ಯಾವುದೇ ಹೂಡಿಕೆ ಮಾಡುವ ಮೊದಲು ದಯವಿಟ್ಟು ಸ್ಕೀಮ್ ಮಾಹಿತಿ ದಾಖಲೆಯೊಂದಿಗೆ ಪರಿಶೀಲಿಸಿ.